Nex-G Innovations

EMV is a technical standard for smart payment cards and for payment terminals and automated teller machines that can accept them. EMV cards are smart cards (also called chip cards or IC cards) which store their data on integrated circuits rather than magnetic stripes, although many EMV cards also have stripes for backward compatibility. They can be contact cards that must be physically inserted (or "dipped") into a reader, or contactless cards that can be read over a short distance using radio-frequency identification (RFID) technology. Payment cards that comply with the EMV standard are often called chip-and-PIN or chip-and-signature cards, depending on the exact authentication methods required to use them.

Code: NES_SK_2250

Duration: 40 Hrs / 4 Weeks / Customized

Mode: Online / Offline / Onsite

+91-8826900551

• Benefits for Acquirers & Issuers
• Benefits for Merchant
• Benefits for Fraud prevention
• Benefits for more services with Multi Application, Prepaid, Loyalty programs
• Benefits for Online Transactions

EMV INTRODUCTION

• EMV History, Players, Definitions
• EMV Specifications Overview
• Multi-Application Standards (MULTOS, GP)
• EMV Card & Terminal Certifications
• EMV Acquirer & Issuer Certifications

KEY MANAGEMENT & SECURITY

• EMV Security Algorithms (RSA, T-DES, SHA-1, Key Derivation, etc)
• Offline Data Authentication Algorithms (SDA&DDA&CDA)
• Online Data Authentication Algorithms (MAC, Cryptograms, etc.)
• Offline & Online PIN Encryption Algorithms
• Terminal Public Key Management
• Issuer T-DES Key Management

EMV TRANSACTION STEPS

• Application Selection
• Initiating Application Processing
• Reading Application Data
• EMV Files and Data Elements
• Online Data Authentication
• Processing Restrictions
• Cardholder Verification
• Terminal and Card Risk Management
• Issuer Scripting

ISSUING & ACQUIRING SYSTEMS

• EMV Issuing System Requirements
• EMV Acquiring System Requirements
• EMV Personalization System Requirements
• Online Messaging Formats

ADDITIONAL IMPLEMENTATIONS

• EMV CAP/DPA Standards
• EMV Display Cards
• EMV Prepaid Standards

EMV Card Application Development

• I/O manager
• File manager
• Return code manager
• Operating system kernel
• Command interpreter
• Structure of program code for commands
• Command set
• SELECT command
• READ BINARY command
• UPDATE BINARY command
• READ RECORD command
• UPDATE RECORD command
• VERIFY command
• INTERNAL AUTHENTICATE command
• A simple application example

EMV Card Commands:-

• File selection commands
• Read and write commands
• Search commands
• File operation commands
• Commands for authenticating persons
• Commands for authenticating devices
• Commands for cryptographic algorithms
• File management commands
• Application management commands
• Completion commands
• Commands for hardware testing
• Commands for data transmission
• Database commands (SCQL)
• Commands for electronic purses
• Commands for credit and debit cards
• Application-specific commands
• Command processing times
• Processing time estimation
• Command processing
• Proportionality factor for predefined functions
• NVM operations
• Data transfer
• Calculated example: READ BINARY command
• Calculated example: smart card initialization
• Processing times of typical smart card commands
• Typical command processing times

EMV Card File Management:-

• File structure
• The life cycle of files
• File types
• Master file (MF)
• Dedicated file (DF)
• Application dedicated file (ADF)
• Elementary file (EF)
• Working EF (WEF)
• Internal EF (IEF)

• Application files

• File names
• File identifier (FID)
• Short file identifier (SFI)
• DF name
• Application identifier (AID) structure and coding

• File selection
• Selecting directories (MF and DF)
• Explicit EF selection
• Implicit EF selection
• Selection using a path name

• EF file structures
• Transparent file structure
• Linear fixed file structure
• Linear variable file structure
• Cyclic file structure
• Data objects file structure
• Database file structure
• Execute structure
• Sequence control file structure

• File access conditions

• File attributes
• WORM attribute
• High update activity attribute
• EDC utilization attribute
• Atomic write access attribute
• Concurrent access attribute
• Data transfer selection attribute
• File encryption attribute

ADDITIONAL IMPLEMENTATIONS

• Microprocessor Card (Contact) Memory Overview
• Memory Programming using ACS Softwares
• Files and data creation over the Card using an Off-card loader
• Understanding the programming of memory and Microprocessor Card
• Deploying an Application over Microprocessor Card
• Using the card for a different application (Credit, Debit, Enquiry)
• Using APDU commands to fetch values from the card.
• Scripting for the APDU commands.